Michigan health insurers waive cost-sharing for COVID treatment

Almost all of Michigan’s health insurance companies have agreed to waive cost-sharing, including copays, deductibles and coinsurance for COVID-19 testing and treatments. 

DIFS can help consumers with health insurance questions and complaints, and the Michigan Health Insurance Consumer Assistance Program (HICAP) can provide tips and help answer questions about health insurance, including special enrollment periods for those experiencing job loss or an income reduction. Call 877-999-6442 or email at [email protected]. 

“Michiganders that are fighting for their lives should not have the extra burden of fighting with their health insurer to cover the costs of their care,” said Gov. Gretchen Whitmer. “I am thankful that health insurers agreed to cover Michiganders’ coinsurance, deductibles and copays as we fight this virus. It’s going to take all of us doing our part to slow the spread of COVID-19. We will get through this together.”

The Whitmer administration and the Michigan Department of Insurance and Financial Services (DIFS) worked together to ensure health care access during the COVID-19 pandemic. 

The insurers who have agreed to waive cost-sharing are: Aetna Better Health of Michigan, Blue Cross/Blue Shield of Michigan, Blue Care Network, MI Blue Cross Complete, Health Alliance Plan of Michigan, Alliance Health, Humana Insurance, McLaren Health Plan, Meridian Health Plan, Molina Healthcare Michigan, Physicians Health Plan (PHP), Priority Health, Priority Health Insurance Co., Priority Health Choice, Total Health Care, United Healthcare Insurance and United Healthcare Community Plan.

Consumers with these individual and group health plans will not be charged cost-sharing for coronavirus-related medical treatment, such as primary care visits, laboratory testing, emergency room visits, ambulance services and Federal Drug Administration-approved medications and vaccines for COVID-19 once those become available.